Everything you need to know before you borrow... Unless you're sitting on a pile of cash, chances are you'll need to take out a mortgage when you're ready to buy a home. But how do you know how much house you can afford? What should you look for in a loan? What kind of paperwork is needed? How do you improve your odds of getting a great rate? Mortgages 101 eliminates the confusion and stress with clear-cut answers to all your questions.

This book demystifies all the various mortgage terms, features, and options by offering clear, precise explanations. Expert advice on the most pressing issues, such as whether to use mortgage brokers, the benefits of paying points versus a larger down payment, and the hazards of cosigning a loan. The truth about common mortgage myths and misperceptions—and the pitfalls you need to avoid. Definitions and explanations of common mortgage-related terms, as well as arcane mortgage terminology, listed alphabetically. > Buy Now

This easy-to-understand, objective, and jargon-free guide helps you fine-tune your finances, figure out what you can afford, and improve your credit score before you go mortgage shopping. You’ll get familiar with the advantages and disadvantages of fixed- and adjustable-rate mortgages, 15- and 30-year loans, and conforming and jumbo packages. You also get help finding and working with reputable professionals, comparing programs, and securing terms you can live with. > Buy Now

The mortgage industry is packed with nuance, which can lead to confusion for the consumer. After reading this book, you will have an understanding of the big corporations that loan money to homebuyers, what other options you have and how to navigate government regulations and requirements to your advantage. The goal is get the best mortgage possible and get to closing on time, stress free! > Buy Now

Before you take on the largest debt you'll ever have, you should have more - and better - information than you've ever had before. Whether you are a novice or an expert real estate investor this book provides the information you need to finally understand what lending channel, what loan product, and what price point truly fits your need. The Loan Guide is current, clear and complete, and you will find it answers exactly the questions you have, and many that you should have but don't know it. > Buy Now

This mortgage reference walks you step-by-step through the lending process. It explains the thoughts behind lender's questions, illustrates the implications of your answers, and provides an easy-to-follow blueprint of the mortgage application process. You'll learn how to demonstrate you're a capable borrower. Being educated before you begin the loan application process will make your lending experience much more pleasant. > Buy Now

Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Mortgage industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don't want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. This book presents that knowledge in an interesting and easy format that anyone can understand. > Buy Now

Finding the right mortgage can be complex, confusing, and frustrating. But that doesn't mean you have to settle for anything other than the terms you want. This useful guide spells out everything mortgage hunters need to know in clear and accessible terms. It explains the importance of discount points. It offers complete details on virtually every mortgage option currently available, what advantages each option offers, how to choose the right one for your needs, and how to save money in the process. > Buy Now

With definitions of the various types of loans, explanations of credit scores and a discussion of how the Internet has changed the real estate business, the book is a handy reference for anyone involved in real estate transactions-though best for beginners who want a map to navigate their way through the complexities of mortgages. Includes useful advice that is rarely discussed. For example, there is a "rescission" period for refinanced mortgages that gives people a three-day grace period to get out of the mortgage agreement with no penalties. > Buy Now

This book provides a clear, step-by-step guide to effectively shopping for a mortgage. It explains the loan options that you have, how to choose the best one for your unique situation, how to get a handle on the detailed process of getting a home loan, and how to find the right lender. If you are a home buyer you'll be able to determine not just how much house you can qualify for but, more important, what total monthly housing expense you can comfortably afford, including how to figure your specific tax advantages in having a mortgage. > Buy Now

The real value in Mortgage Rip-Offs is found in two areas. The first is learning how to prepare to apply for a mortgage. That preparation saves the originator and processor time and creates a money-saving opportunity for you, the borrower. The second is in learning how mortgage companies and originators are compensated and, most important of all, that the amount of compensation can be negotiated and verified. What it takes to negotiate the best possible rate so you can literally save thousands of dollars. > Buy Now

Getting the best home mortgage is about more than just considering interest rates, points, or who offers the best free giveaways. You want a package that fits your lifestyle and financial goals. To get it, you need to boost your mortgage IQ. This book lays out all of the information you need to be intelligent, prepared, and involved before you borrow. > Buy Now